Lexus GS 350 Insurance Rates

The average insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive costs an estimated $270, collision costs $466, and liability insurance costs around $390. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $2,728. Teens cost the most to insure at $4,708 a year or more.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different GS 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Lexus GS 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $725
• Using higher $1,000 deductibles will save approximately $170 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,262
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,582
• Drivers with serious driving violations could pay up to $2,728 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,708 or more

View Chart as Image

Auto insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $490 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus GS 350 insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Lexus GS 350 Insurance

Finding cheaper rates on Lexus GS 350 insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a brief recap of the data touched on above.

• Drivers who want more liability coverage will pay approximately $430 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teen drivers are the costliest to insure, with premiums being up to $392 each month if comprehensive and collision insurance is included